Investment management by a CFA charterholder

We are in the business of managing individually tailored investment portfolios and providing continuous advice to a client regarding the investment of funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on a client’s particular circumstances are established, we develop a personal investment policy or an investment plan with an asset allocation target and create and manage a portfolio based on that policy and allocation targets. We may also review and discuss a client’s prior investment history, as well as family composition and background.

Account supervision is guided by the stated objectives of the client (e.g., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations.

Financial planning by a CFP(Certified Financial Planner)

We provide financial planning services on topics such as retirement planning, risk management, college savings, cash flow, debt management, work benefits, and estate and incapacity planning.

Financial planning is an evaluation of current and future financial states by using currently known variables to predict future cash flows, asset values, and withdrawal plans. The key defining aspect of financial planning is that through the financial planning process, all questions, information, and analysis will be considered as they affect and are affected by the entire financial and life situation of the client.

Clients utilizing this service receive a written or an electronic report, providing a detailed financial plan designed to help achieve stated financial goals and objectives.

In general, the financial plan will address any or all of the following areas of concern.
The client and advisor will work together to select specific areas to cover.
These areas may include, but are not limited to:

Tax planning by a CPA

This service involves working one-on-one with a planner over an extended period of time. A planner will work to develop and implement a plan. The planner will monitor the plan, recommend any changes and ensure the plan is up to date.

A client will be taken through establishing their goals and values around money. They will provide information to help complete the following areas of analysis: net worth, cash flow, insurance, credit scores/reports, employee benefit, retirement planning, insurance, investments, college planning, and estate planning. Once the information is reviewed, their plan will be built and analyzed, and then the findings, analysis and potential changes to their current situation will be reviewed with them. Clients will receive a written or an electronic report providing them with a detailed financial plan designed to help achieve his or her stated financial goals and objectives. The plan and the client’s financial situation and goals will be monitored throughout the year and follow-up phone calls and emails will be made to confirm that any agreed upon action steps have been carried out. On an annual basis, there will be a full review of this plan to ensure its accuracy and ongoing appropriateness. Any needed updates will be implemented at that time.